Interest
6.19%p.a.
Comparison*
6.23%p.a.
Est. repayment
$3,059
LVR ≤60%
Firefighters Mutual Bank · Variable · Updated November 2026
Firefighters Mutual Bank Variable Home Loans, November 2026
Firefighters Mutual Bank lists 24 variable home loans in the Ratesniffers index today. The lowest is 6.19% p.a. (comparison rate 6.23% p.a.), on Your Way Basic Home Loan <60% LVR Owner Occupied P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
View Firefighters Mutual Bank current productsCompare the live market50+ lenders tracked · ranked by comparison rate · no paid placement
Firefighters Mutual Bank variable home loan rates, November 2026
Interest
6.19%p.a.
Comparison*
6.47%p.a.
Est. repayment
$3,059
LVR ≤60%
Interest
6.19%p.a.
Comparison*
6.47%p.a.
Est. repayment
$3,059
LVR ≤60%
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 60 to 70%
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Firefighters Mutual BankYour Way Basic Home Loan Owner Occupied P&I (5% Deposit Scheme)
VariableRedraw
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR ≤98%
Interest
6.49%p.a.
Comparison*
Not available
Est. interest only / month
$2,704
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.49%p.a.
Comparison*
Not available
Est. interest only / month
$2,704
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.49%p.a.
Comparison*
Not available
Est. interest only / month
$2,704
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR ≤60%
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR 60 to 70%
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.59%p.a.
Comparison*
Not available
Est. interest only / month
$2,746
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.59%p.a.
Comparison*
Not available
Est. interest only / month
$2,746
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.59%p.a.
Comparison*
Not available
Est. interest only / month
$2,746
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Firefighters Mutual Bank · Variable
Firefighters Mutual Bank variable home loans, what to weigh
Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every variable option has the same price.
See also Firefighters Mutual Bank's full product range, repayment calculator, and refinance savings calculator.